连锁超市中国机动车辆保险手册P10（11页）.doc

1、2010 Motor Vehicle Insurance Manual for Carrefour China 2010年家乐福中国机动车辆保险手册Organizations Affected : Carrefour China Headoffice & All Stores 实施范围： 家乐福中国总部及所有门店Periodic Compliance Checking : Carrefour China Finance and Assets Department定期执行检查：家乐福中国财务部和资产部Procedure Organized By: Finance/Procedure, Accou

2、nting and Aon-COFCO Version: 2010V.1 版本：2010V.1实施程序组织人：财务部程序及会计部与中怡保险经纪有限责任公司Drafted By: Aon-COFCO and Carrefour China Finance起草人：中怡保险经纪有限责任公司与家乐福中国财务Approved By: Financial Director of Carrefour China核准人：家乐福中国财务总监Approve Date: 15th Sep, 2010批准日期：2010年9月15日Effective Date: 19th Sep, 2010生效日: 2010年9月19

3、日CONTENTS目录1.ObjectivePage 3目的2. Application ScopePage 3适用范围3. Insurer Page 3保险公司4. Liability of InsurerPage 3保险公司的责任5. Premium Page 4保险费用6. Who is in charge of the Insurance in CarrefourPage 4在家乐福内部，谁负责车辆保险工作7. Placement/Renewal ProcedurePage 5投保/续保程序8. Claim Handling Telephone Number / ProcedurePa

4、ge 6索赔电话和程序9. Daily ContactPage 7日常联络人10. Appendix1 (Renewal Confirmation Slip) Page 7附件1 (续保确认单)11.Appendix2 (Chart of Place/Renew/Pay Procedure)Page 9附件2 (投保/续保/支付保费程序图)12.Appendix3 (Chart of Claim Channel)Page 10附件3 (索赔渠道图)1. ObjectiveThis manual is documented to introduce and explain the new Mot

5、or Vehicle Insurance Program tailored made for Carrefour China to all Stores and offices including placement and claim handling procedures, to ensure that each store has a clear and specific idea of the Motor Insurance so as to achieve the target of centralized control and management of all motor ve

6、hicle insurance under one unified program. 2. Application ScopeThis manual applies to all motor vehicles including cars and trucks owned by registered Carrefour representative offices and/or Carrefour subsidiary companies and companies and organizations for which Carrefour has management control and

7、 joint ventures, as now or hereafter constituted, formed or acquired for their respective rights and interests within the Peoples Republic of China3. InsurerChina Pacific Property Insurance Co. Ltd. (CPIC) a. for Shanghai vehicles: CPIC Shanghai Branchb. for other places: all renewal vehicles shall

8、be placed with CPIC Shanghai Branch; new vehicles purchased shall be placed with local CPIC Branch due to local limitation of car plate application.4. Liability of Insurer1 Basic Covera. Physical Damage b. Third Party Liability (Limit:RMB500,000)2 Extensions: a. Burglary and robbery of whole vehicle

9、 b. On Board Liability (Driver and Passengers, RMB50,000/person) c. Breakage of Glass Cover d. Free of Deductible for Basic Cover3 Period of Insurance Usually the policy is issued on a yearly basis unless some special cases.4 Territorial Limit Within P.R. China excluding HongKong, Macau & Taiwan5. P

10、remiumThe premium of each vehicle is generated by the IT system of CPIC and the rates of third party liability cover for Shanghai vehicles will fluctuate depending on the record in the information platform connected with the Shanghai traffic bureau. The unified discount for Shanghai vehicles is 30%

11、off and for other places is 20% off.6. Who is in charge of the Insurance in Carrefourn China (Coordination): Mr. Ruben Duan of Finance DivisionMain function : National insurance policy negotiation, premium payment through CPC, service quality monitoring, claims follow up, n Head Office: Mr. Michael

12、Woo of Assets DivisionMain function: Replacement for new cars and renewal for existing cars of Head Office in Shanghai, claims loss,n Region Office / MU: Regional Business ControllerMain function: Replacement for new cars and renewal for existing cars of Region Office and Merchandise Unit, claims lo

13、ss,n Store: Store Business ControllerMain function: Replacement for new motor vehicles and renewal for existing motor vehicles of store, claims loss,7. Placement/Renewal ProcedureConsidering administrative policies on car plate application of new vehicles may vary from city to city, the placement pr

14、ocedure for new cars is different from renewal procedure.1 Placement procedure for new vehiclesIf any store plans to purchase a new motor vehicle, an advance notification should be given to Aon-COFCO. Upon receipt of invoice/purchase voucher and quality certificate, please fax the above documents to

15、 Aon-COFCO, who will contact local CPIC branch to arrange motor insurance. Under urgent circumstances, the store should contact directly with local CPIC branch with the assistance of Aon-COFCO. Upon receipt of the policy, please mail a copy to Aon-COFCO.2 Renewal procedure for existing policies Moto

16、r insurance renewal is arranged on a monthly basis. In each month, Aon-COFCO will get quotation from CPIC Shanghai Branch and fax to the store (format attached in appendix for your nice reference). Please be nicely advised that the rate presented at first may not be the same as the finalized rate on

17、 the policy and the quotation is only valid for three days as a result of system generating mechanism in which the rate fluctuates every 3 days dependent on the information updated in the system. However the difference will not be very large. Each store should confirm the slip with signature and cho

18、p and fax back to Aon-COFCO at their earliest convenience if there are no further questions. Your immediate attention to the fax is highly appreciated.3 Policy delivery After policy issuance, the original policy and insurance card will be mailed to relevant store. A set of policy copies will also be

19、 mailed to Carrefour China Financial department for central filing. 4 Payment settlement Premium settlement is coordinated by Carrefour CPC. Invoices will be mailed to Carrefour China Financial department. An exception is made for insurance of new vehicles placed with local CPIC branches other than

20、Shanghai. Premium in this case will be settled by the store on its own with local CPIC branch.5 Other issues After yearly vehicle examination, please fax or mail the copy of updated driving license to Aon-COFCO. If any store changes any item on the driving license, please also provide a copy to Aon-

21、COFCO. It is crucial since the name of car owner on the policy must be consistent with those on driving license. 8. Claim Handling Telephone Number and Procedure If any claim occurs, please dial1) 021-95500, or2) 021-6677 9900 * motor claims, or 3) Mr Liu Xuping at 021-6677 9900* 1215, 01330 1788 11

22、8reporting to CPIC Shanghai Branch with policy numbers. All of Carrefour Shanghai vehicles are handled by CPIC Shanghai. Vehicles in other areas will be handled through CPIC nationwide network for survey and loss adjustment. Claim documents will be passed to clients by claim surveyors. Once all of t

23、he claim materials have been collected, please mail to CPIC Shanghai Office. If you meet any difficulties in the claim handling, please advice Aon-COFCO, who will coordinate.9. Daily Contact Person Aon-COFCO Insurance Brokers Co., Ltd.Contact person: Ms. Carrie YangTel: 021 5049 8333 * 160Fax: 021 5

24、049 8331E-mail: carrie_yangaon-Carrefour China HO Finance DivisionContact person: Mr. Ruben DuanTel: 021 3878 4500 * 264Fax: 021 6881 5877Mobil: 137 6430 2808Email: ruben_1. 目的为了使各店和办公室对最新实行的家乐福机动车辆保险方案内容有个清晰、明确的概念，达到集中控制与管理所有机动车辆保险的目的，故制定本手册。2. 适用范围本手册适用于所有已注册的家乐福代表处办公室和/或在中华人民共和国境内已成立的或今后可能成为家乐福管理

25、控制或合资的附属公司和关联公司旗下所拥有的机动车辆。3. 保险公司 中国太平洋财产保险有限公司(CPIC) a 上海车辆：太平洋保险公司上海分公司b 外地车辆：所有续保车辆为太平洋保险公司上海分公司；考虑到外地上牌的政策限制，外地新购车辆保险由当地太平洋保险分公司安排。4. 保险公司的责任1 基本险 种a. 车辆损失险 b 第三者责任险（限额：人民币500,000）2 拓展险种a 全车盗抢险b 车上人员责任险（驾驶员和乘客，人民币50,000/人）c 玻璃破碎险d 基本险不计免赔险3 保险期限通常情况为一年，除非特别个案。4 地域限制 中国 境内(不包括香港,澳门 和台湾)5. 保险费用 每辆

26、车的保费由太保计算机系统自动计算而得。其中上海车辆的第三者责任险保费根据与上海交管部门连网的信息平台提供的信息而浮动。家乐福上海地区车辆保险统一折扣为7折，其他地区车辆为8折。6. 在家乐福内部，谁负责车辆保险工作l 全中国(协调)：财务部段志奇主要职责：全国保险政策制订，保费集中付款，服务质量监控，索赔案件跟进，l 总部办公室：资产部吴军主要职责：上海总部的新车投保，旧车续保，损失报案，l 区办/区商品部：区营运监控主管主要职责：区办及区商品部的新车投保，旧车续保，损失报案，l 门店：店营运监控主管主要职责：门店的新车投保，旧车续保，损失报案，7. 投保/续保护程序 鉴于不同地区新车上牌的行

27、政政策不一致，新车投保程序有别于旧车的续保程序。1 新车投保程序如果有购买新车的计划，请提前告知中怡。当拿到购买发票/凭证以及合格证后，请将上述文件传真至中怡，中怡将联络当地的太保分公司安排车辆保险。在一些紧急情况下，家乐福各门店在中怡的协助下直接联络当地太保联系人。在收到正式保单后，请将保单及车辆行驶证正本复印件邮寄至中怡。2 现有保单的续保程序机动车辆续保按月进行。每月，中怡将从太保上海分公司获得报价，并传真至各门店（样本见附件供参考）。值得注意的是，由于保险公司电脑系统的原因,最先提供的报价可能会与最终保单上的费率有所不同，报价的时效仅为3日，3日后就会根据计算机系统中信息的更新而自行浮

28、动变化,但是变化不会很大。各家门店如果没有异议，请在传真上签名盖章确认后尽快传真至中怡。您对传真的快速关注对确保整个续保工作的顺利进行是置关重要的。3 保单递送 保单出具后，保单正本和保险卡将邮寄至各店。保单复印件将提供给家乐福财务部集中归档。4 保费结算 车辆保险的保费由家乐福CPC协调结算。所有发票将寄往家乐福中国财务部。其中由外地太平洋保险分公司出具的新车保单例外，此类保费由该门店自行结算。5 其他事项 车辆年检后，请将更新后的行驶证传真或邮寄至中怡。如果有对行驶证上的任何内容有变更，也请将变更后的行驶证复印件提供给中怡。这项工作非常重要，因为保单上的车主名称必须与行驶证上的一致。 8.

29、 索赔电话和程序若有索赔事故发生，请拨打1) 021-95500, 或2) 021-6677 9900 * 车辆报案, 或 3) 刘旭平， 021-6677 9900* 1215,01330 1788 118向其报告保单号码。所有上海车辆理赔由太保上海分公司负责。外地车辆赔案则通过太保全国网络进行现场勘察和定损。索赔文件将由查勘员递交给客户。当所有索赔单证都准备齐全后，请邮寄至太保上海分公司。如果索赔中遇到任何困难，请通知中怡，中怡将负责协调。 9. 日常联络人 中怡保险经纪有限责任公司 联系人：杨颖（Carrie Yang） 电话： 021 5049 8333 * 160 传真： 021 5

30、049 8331 电邮： carrie_yangaon- 家乐福中国总部财务部联系人：段志奇电话: 021 3878 4500 * 264传真: 021 6881 5877手机: 137 6430 2808电邮: ruben_10. Appendix1 (Renewal Confirmation) 附件1(续保确认单)Appendix: Format of Quotation Fax 附件: 报价传真样本至:自:Carrie Yang公司:家乐福 X X 店传真号码:021-5049 8331传真号码:电话:021-5049 8333-160日期:03/08/2010电子邮件:carrie_y

31、angaon-页数:2主题: 机动车辆保险续保事宜致家乐福 X X 店 贵店以下机动车辆保险在3月份到期，请尽快确认以下投保内容,若信息无误,请在最后签章处签名盖章,并传真至021-50498331,杨颖牌照号码保险期限车辆损失险第三者责任险（50万）全车盗抢险玻璃单独破损险车上责任险（5万/人）基本险不计免赔险合计保费保费保费保费保费保费保费上海沪E/J31281052076945105489.6685.412注:上述报价为电脑测算价格,可能与实际出单保费稍有差异,最终价格以保单保费为准。 上述保单出具后将寄往以下地址，请确认：家乐福店地址贵店确认上述内容无误,同意按上述报价投保。签字：盖章

32、:日期:如果上述车辆行驶证内容变更或通过年检后,请将更新后的行驶证复印件邮递至:联系人：杨颖电话： 021-50498333 分机160传真： 021-50498331地址： 上海市浦东新区世纪大道88号金茂大厦4105室 邮编： 200121 11. Appendix2 (Chart of Placement/Renewal/Premium payment Procedure)附件2(投保/续保/支付保费程序图)l Placement of New Motor Vehicle新车投保2. Arrange new motor insuranceMichael Woo of HO Assets

33、Divisionor Business Controller of Region / Store1. Fax invoice, purchase voucher, quality certificateInsurer - CPIC 太平洋保险公司Broker (Aon - COFCO)保险顾问(中怡)保险卡5. Insurance Card安排新车保险Motors user or his driver传真发票/购买凭证和合格证3. Issue official insurance policy and card4. Send official insurance policy and card

34、发送正式保单和保险卡发出正式保单和保险卡6. Mail copy of driving license邮寄车辆行驶证复印件l Renewal of Existing Motor Vehicle 旧车续保Motors user or his driver6. NewInsuranceCardBroker (Aon - COFCO)保险顾问(中怡)Michael Woo of HO Assets Divisionor Business Controller of Region / Store1. Fax Quotation and Confirmation Slip monthly3. Arran

35、ge existing motor insurance每月传真报价及确认单Insurer-CPIC Shanghai Branch太平洋保险公司上海分公司新保险卡安排旧车续保2. Fax back Confirmation Slip with signature and chop签字盖章确认4. Issue official insurance policy and card发出正式保单和保险卡5. Send official insurance policy and cardl Premium PaymentInsurer-CPIC Shanghai Branch太平洋保险公司上海分公司Fi

36、nance Division of Carrefour China HO Mr.Ruben Duan家乐福总部财务部段志奇2. Premium Invoice and copy of Insurance PolicyBroker (Aon - COFCO)保险顾问(中怡)1. Premium Invoice保险费发票保险费发票和保单复印件3. Accounting Check会计检查4. Approve paymentHO Assets Manager总部资产部经理CPC of Finance Division of Carrefour China HO家乐福总部财务部全国付款中心5. Pay

37、 premium批准付款支付保费12. Appendix3 (Chart of Claim Channel) 附件3(索赔渠道图)Report damage/injury at first time第一时间报告损失,伤害等CPIC Shanghai Branch太平洋保险公司上海分公司CarrefourStores or offices家乐福门店或办公室Follow claim跟进索赔Broker (Aon-COFCO)保险顾问(中怡)第一时间报告警察确认ConfirmConfirm claim and compensateFinance Division of Carrefour China HO Mr.Ruben Duan家乐福总部财务部段志奇Follow / Coordinate跟进/协商Query or Complain问题或投诉确认索赔并赔付Traffic Police交通警察Loss notice损失通知Report police at first time